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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $75,302 | $166,089-54.7% | $164,928-54.3% | $145,978-48.4% |
| Participation rate | 75.0% | 82.0%-7.0pp | 78.6%-3.6pp | 80.3%-5.3pp |
| Annual return | 13.71% | 100.26%-86.5pp | 70.08%-56.4pp | 550.52%-536.8pp |
| Employer contribution / active EE | $4,167 | $5,276-21.0% | $4,343-4.1% | $4,662-10.6% |
| Participant deferral / active EE | $4,721 | $6,961-32.2% | $6,034-21.7% | $6,690-29.4% |
| Admin fee / account holder | $733 | $16,641-95.6% | $12,684-94.2% | $13,400-94.5% |